I know this is a question that only I can answer.
I feel like I keep procrastinating and I wonder if its because I really don't want a child. I am from a country which has a low birth rate so the government pursued a very aggressive pro natalist agenda and so I never thought I wouldn't have a child because we were taught we had to. But at the same time, we were raised to have careers and to work FT (even my grandmother worked FT after having her kids; kids were cared for by her mum and nanny; my mum worked till 11 pm everyday in a very stressful corporate environment while my grandma cared for her). So for me, I can't imagine being a stay at home mother and its not something i would ever be comfortable with.
I am 31 this year. I married at 22 straight out of university and as we didn't have much money and were just starting in our careers (and living with family), we naturally didn't TTC. We used the withdrawal method (as I never got on with the Pill) and we never had any accidents so we just continued. And we discussed beforehand, if we had an accident, we would just move out and rent and have the baby. but of course that never happened. I also decided at that time we should stop at one as this would mean only needing to buy a property with 2 bedrooms as well as paying for childcare once, and possibly even giving us the option of private secondary school (if our incomes did increase), and this would also allow us to delay TTC.
We bought our flat when I was 27 in 2019. We still live there. I remember researching school catchents before we bought so i was sincerely thinking that I would TTC once we moved in and were settled. DH isn't very interested in home ownership (honestly he would be happy if he rented for the rest of his life though he does love our flat now irrespective of any kids) so i remember telling him that if we wanted a child, we needed a secure place and not to be at the whims of a landlord.
It has 2 bedrooms and then covid happened so actually it would have been an ideal time to TTC. I felt that it was the wrong time as everything felt quite dystopian and it just felt like the 'wrong time' to bring a child into the world. Also as we were both WFH at that time, i thought that maybe we should buy a bigger flat with a third bedroom for a home office. I now work in the office full time (in a new job) so that is probably less necessary while DH is hybrid. But this made me delay TTC as my reasoning has always been 'buy before having a kid' .
in 2022, we both got pay rises and the increase in income would have allowed us to pay for full time childcare (as it is a total increase of £1600 combined). DH has now secured a new job which has increased our net household income by 10% (as the new employer pays non contributory pension). But yet due to inflation and the increase in mortgage interest rates, I am still not actively trying because I feel like we could both increase our wages soon enough which would help us feel more comfortable (in truth despite the inflation and us overpaying our mortgage by £1k per month, we are able to afford luxuries like more holidays compared to the lean years in 2017-2019)
My sister in law has recently had a baby and we met her new baby in 2022. She told me she didn't have the money to afford the baby but just tried anyway (they seem to be paying rent and the baby goes to daycare, so i guess the definition of 'afford' is different to different people and also no idea about the state of their finances). I decided to start using a combination of the rhythm method & withdrawal method in January (bearing in mind we have been using the withdrawal method since 2015 and i have never been close to falling pregnant!) Its July and I am on my period. I am either infertile or really good at the rhythm method! I know that I may have issues with fertility (though DH often reminds me that we haven't actually 'tried') and there are times when I think i need to get it checked out. But yet there are times when I also think it may not be a bad thing if I am infertile because at least that decision on whether or not to have children has been taken out of my hands.
I have talked to DH about this. He is adamant that he would only want a child if I want to. So its my decision.
Thank you for reading and please be kind.